U.S. Office of Personnel Management Retirement Services NARFE Region X Conference Martinsburg WV October 2017 11/8/2018

OPM Administered Retirement Systems Civil Service Retirement System (CSRS) CSRS Offset (CSRS and Social Security coverage) Federal Employees Retirement System (FERS) FERS Revised Annuity Employee (FERS-RAE) FERS Further Revised Annuity Employee (FERS- FRAE) Approximately 30% of covered employees are under CSRS and CSRS Offset There are other retirement systems for specific employees Foreign Service Federal Reserve Board Tennessee Valley Authority Participants excluded from CSRS and FERS 2

Other Benefits Administered By OPM Federal Employees Health Benefits Program (FEHB) Employees, Annuitants and Family Members Federal Employees Group Life Insurance Program (FEGLI) Supplemental Insurance Programs Flexible Spending Accounts (FSA - employees only) Federal Dental and Vision Insurance (FEDVIP) Federal Long Term Care Insurance Program (FLTCIP) FEHB Open Season runs from the Monday of the second full workweek in November through the Monday of the second full workweek in December. Annuitant changes effective 1/1/17 FEGLI Open Season for Federal employees (but not annuitants) 9/1 – 9/30/16 First FEGLI Open Season since 2004 Changes effective first pp on and after 10/1/17 FSA and FEDVIP changes are done thru the BENEFEDS portal at www.benefeds.com Open Season runs from the Monday of the second full workweek in November through the Monday of the second full workweek in December. FLTCIP is administered by the Long Term Care Partners LLC and changes are made at www.ltcfeds.com 2016 Enrollee Decision Period for those affected by the premium increases effective July 2016 2

OPM Retirement Services 2.7 million covered Federal employees Serviced by Benefits Officers at their employing agencies Supported by OPM Retirement Services Guidance and training provided by OPM Retirement Services Benefits Officers Training and Development 2.6 million annuitants, survivor annuitants and other family members Serviced directly by OPM Retirement Services 3

OPM Retirement Services Responsible for providing benefit programs and services for 2.6 million annuitants, survivors and family members Process over 209,000 new retirement, survivor, refund and deposit claims annually Handle over 2.3 million inquiries (phone, email and written) annually Process over 650,000 post retirement actions annually Approximately 5.3 million SOL transactions annually Authorize over $81 billion annual payments Annual budget of approximately $100 million Approximately 850 employees located in Washington, DC, Boyers, PA and Butler, PA 99% Electronic Funds Transfer Global Disbursements Opened new Phone Center in Butler PA in 2016

Maintaining Your Annuity The most efficient way to maintain your annuity and survivor annuity is to use Services Online (SOL), our self-service on-line portal Using SOL frees up additional resources to assist those who are unable to use SOL or for actions that can’t be taken on SOL You may also email, write, call or visit Retirement Services We’ve made getting to SOL easy. Users can access from the OPM main website (www.opm.gov). Go to the Retirement page by selecting Retirees and Families. At the Retirement page, click on Services OnLine. Or, users can access directly at https://www.servicesonline.opm.gov/. Remember to use https – the “s” indicates it’s a secure site. Desktop and mobile devices can be used, however mobile devices may not have all of the functionality.

Services Online (SOL) SOL is our user friendly on-line portal you can use to, among other things: Change your Direct Deposit and mailing address Change you Federal and State income tax withholding View/Print Annuity Statements, Year to Date Summary of Payments, Verification of Income or Verification of Life Insurance Set up allotments to an Organization or Bank Account We’ve made getting to SOL easy. Users can access from the OPM main website (www.opm.gov). Go to the Retirement page by selecting Retirees and Families. At the Retirement page, click on Services OnLine. Or, users can access directly at https://www.servicesonline.opm.gov/. Remember to use https – the “s” indicates it’s a secure site. Desktop and mobile devices can be used, however mobile devices may not have all of the functionality.

Access Services Online Main OPM web site: www.opm.gov Hover cursor over Retirement Select Services Online from drop down menu Main Retirement Services web site: www.opm.gov/retire Quick Links – Select Services Online Direct web address: www.servicesonline.opm.gov I will be running a demo of SOL at my table outside of the Conference Room We’ve made getting to SOL easy. Users can access from the OPM main website (www.opm.gov). Go to the Retirement page by selecting Retirees and Families. At the Retirement page, click on Services OnLine. Or, users can access directly at https://www.servicesonline.opm.gov/. Remember to use https – the “s” indicates it’s a secure site. Desktop and mobile devices can be used, however mobile devices may not have all of the functionality.

Services OnLine Manage Monthly Annuity Online – securely – from anywhere Account is setup immediately after the retirement case has been assigned a case number and the case is receiving funds. All annuitants have access Temporary password is mailed to all annuitants All annuitants have access and receive a password, with exceptions. The exceptions regarding access include Retirees that have been declared incapable of handling their own affairs and OPM has appointed a Representative Payee to maintain their annuity payments. Upon approval of the representative payee, that individual is informed of their role in maintaining the retirees payments. First time users are prompted to set up a password on initial login and to setup Security Questions. These security questions are used as identify verification if the users should forget their password. If an annuitant is locked out due to 15 months of inactivity they must call our Retirement Information Office to have their account unlocked. (lock outs….3 unsuccessful attempts and/or 15 months of inactivity) 3 unsuccessful attempts can request a new password on SOL provided the security questions have been established and the account is not locked due to 15 months inactivity. Personal and financial information is safe! At each login, users must accept the terms of use and read the security alert. Users must have a claim number and a password in order to login. The Claim number is included in the Welcome Package which is mailed to all new retirement applicants. Temporary password is mailed separately – 5 to 7 days after the interim pay letter. This delay prevents the letter and the password from arriving at the same time. We capture and utilize email addresses to send out periodic alerts and notices about the importance of protecting personal information online. Users can request a new password by selecting the Forgot Claim Number or Password link on this page. This page shows the actions that can be completed within SOL. At the bottom (blue bar, left side) – an analysis will let you know if your system will support SOL. We stay current with upgrades and patches. Need more help? Scroll up and click on the link – Using Services OnLine. Step by step troubleshooting for all the common errors – including suggestions for making sure system is compatible with SOL --- and accessing SOL using a MacBook or smartphone. Notices such as scheduled outages are also posted on this page (blue bar, right side).

Services Online Main Menu After successful log in, users are at the Main Menu. A demo of SOL will be running at my table outside of the From the main page, users can navigate to every process that’s available within SOL. All changes that are made must be confirmed or it won’t be processed. For instance, to change an address, the user has to enter new address and press enter before the next page (verify changes) comes up. The user has to accept/verify the change before the last page – the confirmation page – comes up. The site is easy to navigate. No matter where the user is, he can go back to the main page by selecting the “main page” button in the top right. Note the welcome information at the top – date and time of last logon. Another way to alert users of account access. The information at the top includes information regarding the last date and time of the month in which changes/updates can be made for whatever payment OPM is working on. This information is obtained from what OPM used to refer to as the “Cutoff schedule”. Main menu options, such as view your annuity statement or change your mailing address, are on the left side. Miscellaneous actions, such as update email address and view history of online transactions are here. Nothing can be changed or updated without the user acknowledging the “confirmation” page. If the user does not accept the changes/updates, it will not be processed. To confirm changes/updates, the user can view the transactions in the “View History” link under miscellaneous. Updates that are made to the account are not processed in “real time”, the updates are processed in our overnight cycle, which is usually each business night. Overnight cycle processes are not updated over the weekends. For instance, if a change is made after 3 pm on a Friday, it will be processed on during the overnight cycle on Monday night. Along the right side are useful links, such as health insurance information, tax withholding calculator and link to Social Security. Clicking on these links will take the user outside of the Services Online website. Users will NOT be logged out of SOL ______

Services Online (SOL) Maintaining your SOL account: Must Access at least once in 15 months to avoid lockout If locked out, must call, email or write OPM to request temp PW If temp PW sent via email, receive next business day If sent via mail, 7 – 10 days Use temp password, follow prompts to change PW We’ve made getting to SOL easy. Users can access from the OPM main website (www.opm.gov). Go to the Retirement page by selecting Retirees and Families. At the Retirement page, click on Services OnLine. Or, users can access directly at https://www.servicesonline.opm.gov/. Remember to use https – the “s” indicates it’s a secure site. Desktop and mobile devices can be used, however mobile devices may not have all of the functionality.

Other Contact Information Email us at Retire@opm.gov Call Us at 1-888-767-6738 TTY: 855-887-4957 Business hours for Call Center are 7:40 am – 5:00 pm (EST/EDT) We’ve made getting to SOL easy. Users can access from the OPM main website (www.opm.gov). Go to the Retirement page by selecting Retirees and Families. At the Retirement page, click on Services OnLine. Or, users can access directly at https://www.servicesonline.opm.gov/. Remember to use https – the “s” indicates it’s a secure site. Desktop and mobile devices can be used, however mobile devices may not have all of the functionality.

Other Contact Information Write us at: U.S. Office of Personnel Management Retirement Operations Center PO Box 45 Boyers PA 16017 Walk In Center: 1900 E Street, NW, Room 1323, Washington DC 20415 We’ve made getting to SOL easy. Users can access from the OPM main website (www.opm.gov). Go to the Retirement page by selecting Retirees and Families. At the Retirement page, click on Services OnLine. Or, users can access directly at https://www.servicesonline.opm.gov/. Remember to use https – the “s” indicates it’s a secure site. Desktop and mobile devices can be used, however mobile devices may not have all of the functionality.

Other Resources and Links Additional information also available at: https://www.opm.gov/retirement-services/my-annuity-and-benefits: New Retiree – frequently requested info Life Events – how benefits are affected by marriage, divorce, death, etc. Moving Checklist – relevant transactions for a move Death and Survivor Benefits – monthly and lump sum FERS Disability Retirees – 12 month and age 62 Available at opm.gov, under Retirement heading Also under Retirement heading: CSRS Info FERS Info Phased Retirement Special Notices Calculators Publications and Forms Retirement FAQs Contact Info Also many good resources under Insurance Users can access from the OPM main website (www.opm.gov). Go to the Retirement page by selecting Retirees and Families. At the Retirement page, click on Services OnLine. Or, users can access directly at https://www.servicesonline.opm.gov/. Remember to use https – the “s” indicates it’s a secure site. Desktop and mobile devices can be used, however mobile devices may not have all of the functionality.

Other Resources and Links Additional information and forms are available at: https://www.opm.gov/retirement-services/retirees-or-family-members/ Guidance and Publications Related Resources (SSA, TSP, among other) Quick Links (SOL, Forms, Tools, Report Death) After Retirement (links for new retirees, life events, etc.) Access from the OPM main website (www.opm.gov). Go to the Retirement page by selecting Retirement at top Then select “Resources for: Retirees or Family Members Or, users can access directly at https://www.servicesonline.opm.gov/. Remember to use https – the “s” indicates it’s a secure site. Desktop and mobile devices can be used, however mobile devices may not have all of the functionality.

Self Plus One FEHB Enrollment The Bipartisan Budget Act of 2013 established the Self Plus One FEHB enrollment type Annuitants first eligible to enroll in the 2015 Open Season, enrollments effective 1/1/2016 Annuitants may decrease their coverage at any time, request for Self Plus One coverage made outside of Open Season is effective the first day of the month following receipt No enrollment could be effective prior to 1/1/2016 Annuitants can decrease their coverage at any time, meaning Self and Family can change to Self Plus One or Self Only and Self Plus One can change to Self Only

Self Plus One FEHB Enrollment Change from Self Only to Self Plus One or Change from Self Plus One to Self and Family requires a QLE or Open Season Enrollment covers the enrollee plus one eligible family member designated by the enrollee Eligible family member can include a legally married spouse or a child under age 26 Open Season or QLE required to change the eligible family member, you must complete an OPM 2809 Qualified Life Even as listed on OPM 2809 QLE must be appropriate for the requested change, for example an annuitant enrolled in Self Only who gets married can elect Self Plus One or Self and Family The eligible family member designated is listed on the OPM 2809 A child disabled prior to age 26 who is over 26 can also be covered To change the designated family member under a QLE, it must be appropriate to the request, for example, if the designated child turns 26, the spouse could be designated

Self Plus One FEHB Enrollment Is a Self Plus One enrollment right for me? Only one family member may be covered In the event of your death, the covered family member must be eligible for a survivor annuity to continue coverage, an uncovered family member would not be eligible to continue coverage Pay close attention to the benefits and rates for your current plan and any other plans you are interested in, Self Plus One isn’t necessarily cheaper than a Self and Family or 2 - Self Only enrollment(s) If the annuitant has more than 1 eligible family member that needs coverage, Self + 1 wouldn’t be appropriate If the annuitant has a court order requiring them to cover a child, that child would be the only family member eligible to be covered by Self + 1 If the annuitant is covering a child rather than the spouse and dies, the spouse may be eligible for a survivor annuity, but could not keep the FEHB enrollment 2 self only enrollments are generally cheaper but can only be done if both enrollees are annuitants and/or employees Some self plus one enrollments are actually more expensive than self and family

Self Plus One FEHB Enrollment For more info on Self Plus One enrollments, visit: www.opm.gov Hover cursor over the Insurance header Cursor to Healthcare and select Click on Read More under The New Self Plus One Enrollment Type www.opm.gov/healthcare-insurance/special-initiatives/self-plus-one Includes Q&As, Fast Facts and agency guidance

More Info and Questions For more info, visit the Retirement and Insurance tabs at: www.opm.gov Questions?